cancel
Showing results for 
Search instead for 
Did you mean: 

Thinking about a Discover or DCU

Regular Contributor

Thinking about a Discover or DCU

After I close on my home I am considering apping for a couple of cards, would love your opinions....

 

i am looking for something bk friendly (chap 7 in 2008) with a rewards program that might give me a good CL. So far I'm leaning towards a DCU card or Discover. Anyone know if these are bk friendly and have good rewards? Any others I should consider?

 

Thanks!



Chase Sapphire Reserve 10k Cap 1 QS 15K, Cap 1 QS 5K, Cap 1 QS 4K, Cap 1 QS 4K, GE Care Cr 7K NFCU Cash Rewards 10K Walmart 1.3K NavCheck 5K Freedom 6K Freedom 2.5K Hyatt 4K Sallie Mae 5K Barclay Rewards 3K Macy's 1K
US Airways 1.5K, Discover 8K,
4 REPLIES
Valued Contributor

Re: Thinking about a Discover or DCU

I have them both and my bk is from 2007.  Opened up DCU in September and Discover in December.  DCU gave me over 7 times the limit than Discover, but that's because Discover is more conservative.  I'll just have to wait a while to see how Discover does with CLI's.  Good luck! 

 

Oh and check out whogavemecredit.com


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Regular Contributor

Re: Thinking about a Discover or DCU

Thanks Rhaeny! That gives me hope. do you know which CRA they pulled?



Chase Sapphire Reserve 10k Cap 1 QS 15K, Cap 1 QS 5K, Cap 1 QS 4K, Cap 1 QS 4K, GE Care Cr 7K NFCU Cash Rewards 10K Walmart 1.3K NavCheck 5K Freedom 6K Freedom 2.5K Hyatt 4K Sallie Mae 5K Barclay Rewards 3K Macy's 1K
US Airways 1.5K, Discover 8K,
Valued Contributor

Re: Thinking about a Discover or DCU

They pulled EQ for me.  But take a look at that website I posted for you and you can see which scores people had when approved, the CLI's and other pertinent information that will give you a better feel.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Highlighted
Established Contributor

Re: Thinking about a Discover or DCU

DCU pulled EQ for me too.

 

I was approved with only 5 months of history with no Ficos generated, but my files squeaky clean though.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG